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Electronic Check Services

CyberSource Electronic Check Services provides a REST API for executing stateless HTTP requests for making electronic payments directly from bank checking accounts.

Legal Compliance Text

Internet Check Acceptance Authorization—Full Payment
To process electronic checks:
  1. On your web site, add a link to the table of current state returned check fees:
    Because this table is updated regularly, CyberSource recommends that you link directly to it. You can display the state fees table in a pop-up window, a full browser window, or directly on the checkout page.
  2. If TeleCheck is your processor, you must display a terms and conditions statement for electronic checks as part of the checkout process. See "Tracking and Reconciling Your Orders."
  3. At the end of the checkout process on your web site, display a consent statement for the check authorization that your customer must accept before submitting the order. The authorization consent statement must:
    • Be readily identifiable as an authorization.
    • Clearly and conspicuously state its terms, including the transfer amount and the effective date of the transfer, as specified in the following language examples.
    • Include the routing number and bank account number to be debited, as specified in the following language examples.
Example 1: Language for a Payment Authorization for a Payment
Today, being 
[date]
, I, 
[insert consumer’s name]
, by entering my routing and account number above and clicking “Authorize,” I authorize my payment in the amount indicated above to be processed as an electronic funds transfer (EFT) or draft drawn from my checking or savings account as indicated above and, if necessary, to have my account electronically credited to correct erroneous payments. I understand that my payment will be processed within 1-2 banking days. If the payment returns unpaid, I authorize you or your service provider to collect the payment and my state’s return item fee and, if applicable, costs, by EFT(s) or draft(s) drawn from my account. 
[Link w/text: “Click here to view your state’s returned item fee and, if applicable, costs.”]
 I understand that this authorization will remain in full force and effect until I notify you that I wish to revoke it by calling [insert phone #] and allow you reasonable opportunity to act on my notice.
PLEASE PRINT A COPY OF THIS PAGE FOR YOUR RECORDS. ALTERNATIVELY, CONTACT US AT
 [
(XXX) XXX-XXXX
TO LEARN HOW YOU CAN OBTAIN A COPY.

Internet Check Acceptance Authorization—Recurring Payments

Example 2: Language for a Payment Authorization for Recurring Payments
Today, being [
date
], by entering my routing and account number above and clicking “Authorize,” I authorize my payments [
insert information on payments - amounts, dates, and/or frequency of payments
] to be processed as electronic funds transfers (EFT) or drafts drawn from my checking or savings account as indicated above and, if necessary, electronic credits to my account to correct erroneous payments. I understand that my payment will process within 1-2 banking days. If any of my payments return unpaid, I authorize you or your service provider to collect the returned payment and my state’s return item fee for each such payment by EFT(s) or draft(s) drawn from my account. 
[Link w/text: “Click here to view your state’s returned item fee and, if applicable, costs.”]
 I understand that this authorization will remain in full force and effect until I notify you that I wish to revoke it by calling [
insert phone number
] and allowed you reasonable opportunity to act on my notice.
PLEASE PRINT A COPY OF THIS PAGE FOR YOUR RECORDS. ALTERNATIVELY, CONTACT US AT
 [
(XXX) XXX-XXXX
TO LEARN HOW YOU CAN OBTAIN A COPY.

Checks by Phone Authorization—Full Payment

At the end of the checkout process, the consent text must be read to the customer, and you must either audio record the customer’s authorization or send a written notification of the authorization and the transaction to the customer prior to settlement of the transaction. The consent text for the customer to accept prior to submitting the payment authorization is as follows:
Example 3: Language for a Payment Authorization over the Telephone
Today, [
insert today’s date
], I’d like to confirm that you, [
insert first and last name of consumer
], are authorizing a one-time payment in the amount of [
insert amount
] to be processed as an electronic funds transfer or draft drawn from your [
specify checking or savings
] account identified as routing number [
insert routing number
] and account number [
insert bank account number
] and, if necessary, electronic credits to your account to correct erroneous payments.
Your payment will be processed within 1-2 banking days. Do you authorize your account to be debited or credited as described on or after [
insert date
]? 
(If consumer answers “Yes”, continue. If consumer answers “No”, stop the authorization process)
.
If your payment returns unpaid, do you authorize [
insert company’s name
] or its service provider to collect the payment and your state’s return item fee and, if applicable, any costs in the amount of [
insert state returned item fee and applicable costs
] by electronic funds transfer(s) or draft(s) drawn from your account? 
(If consumer answers “Yes”, continue. If consumer answers “No”, stop the authorization process)
.
You may call [
insert company’s customer service phone number
] during [
insert company’s customer service hours of operation
] with any questions.
Do you understand that you will have until the end of this phone call to revoke this authorization by telling me you wish to revoke it? 
(If consumer answers “Yes”, continue. If consumer answers “No”, stop the authorization process)
.
Based on the terms and conditions we have discussed, and the disclosures made to you, do you agree to and authorize the payment? 
(If consumer answers “Yes”, continue. If consumer answers “No”, stop the authorization process)
.

Determining Whether a Check Has Cleared

You can use the Payment Events Report to keep track of your electronic check payments and identify problems that occur with funds transfers. The report is available daily and includes information from the past 24 hours that the processor has provided about your transactions, such as the clearing of a check or the denial of a check due to insufficient funds. The following table describes the event types that indicate that a check has probably cleared. For a list of all event values, see the description of the Payment Events Report in the .

Table:

Event Types Related to Determining Whether a Check Has Cleared
Processor
Event Type
Chase Paymentech Solutions
The Payment Events Report does not indicate that a check has cleared; it shows only problems that occur with funds transfers.

IMPORTANT

If you use Chase Paymentech Solutions, you must contact them and request that they send their electronic check declines file to CyberSource. Then contact CyberSource Customer Support with your Chase Paymentech Solutions MA number so that your CyberSource account can be configured appropriately.
CyberSource ACH Service
The event type listed in the Payment Events Report is “Payment” when the ODFI receives a payment request.
  • Bank of America ACH
    : to see an event type of “Completed” when the check clears, contact Customer Support to have your account configured. CyberSource does not recommend using this event type because it is not a reliable indication that a check has cleared.
  • Wells Fargo ACH
    : after receiving the payment request, the ODFI waits for three days, and if the bank does not inform them of any problems with the funds transfer, they consider the check cleared. The event type listed in the report is “Completed” when the check clears. CyberSource does not guarantee that the check has truly cleared.
TeleCheck
The event type listed in the Payment Events Report is “Payment” when a check clears.

Tracking and Reconciling Your Orders

This topic describes the values that you can use to track and reconcile your orders.
Resource ID
The resource ID is a unique identifier that CyberSource assigns to each request and returns in each response message. You can use the response ID to do the following:
  • Identify a transaction in a CyberSource report
  • Search for a transaction in the CyberSource Business Center
  • Discuss a specific request with Customer Support
  • Link a follow-on request to a primary request
Merchant Reference Number
The client reference information code is an order tracking number that you generate and send in your requests so that you can track orders as they move through the phases of processing with CyberSource.
CyberSource recommends that you use the 
clientReferenceInformation.code
 field for each order and also use this value for all the requests associated with the order. This enables you to efficiently track the order in the CyberSource reports and on the Transaction Search pages in the CyberSource Business Center.
Reconciliation ID
For most CyberSource services, the response message includes the reconciliation ID, which is assigned by CyberSource. For most payment processors, you can use this value to reconcile the transactions in your CyberSource reports with the transactions in your processor reports.

Resource Identifiers

For all CyberSource services, the resource ID is returned in the response message’s ID value. The following table lists the field names for the resource IDs in request messages.

Table:

Field Names for Resource IDs in Request Messages
Service
Resource ID Field
Electronic check follow-on credit (
/pts/v2/payments/{id}/refunds
) and standalone credit (
/pts/v2/credits
)
{id}
Electronic check payment (
/pts/v2/payments
)
{id}
Void (
/pts/v2/payments/{id}/voids
 or 
/pts/v2/credits/{id}/voids
)
{id}

Reconciliation Identifiers

The following table lists the field names for the reconciliation ID, which are returned in response messages.

Table:

Field Names for Reconciliation ID
Service
Reconciliation ID Field Name
Electronic check payment (
/pts/v2/payments
)
reconciliationId
Electronic check credit follow-on credit (
/pts/v2/payments/{id}/refunds
) and standalone credit (
/pts/v2/credits
)
reconciliationId

Check Reference Numbers

The information in this section applies to all processors except Wells Fargo ACH. For Wells Fargo ACH, CyberSource generates a unique transaction identifier.
The check reference number is a value that you can send in a request to track transactions through to the processor for reconciliation. If you do not include this field in your request, CyberSource generates a unique value for you and returns it in the response message.
The following table lists the field names for the check reference numbers in request and response messages.

Table:

Field Names for Check Reference Numbers
Service
Check Reference Number Field Name Requests
Check Reference Number Field Name in Replies
Electronic check payment (
/pts/v2/payments
)
processingInformation.reconciliationId
reconciliationId
Electronic check follow-on credit (
/pts/v2/payments/{id}/refunds
) and standalone credit (
/pts/v2/credits
)
processingInformation.reconciliationId
reconciliationId

NOTE

The response fields for the check reference numbers are the same as the transaction reference number fields.

Processor Transaction Identifiers

The information in this section applies to all processors except Wells Fargo ACH. For Wells Fargo ACH, CyberSource generates a unique transaction ID.
The processor transaction ID is a value assigned by the processor that you can use for reconciliation. The following table lists the field names for the processor transaction IDs, which are returned in the response messages.

Table:

Field Names for Processor Transaction IDs
Service
Processor Transaction ID Field Name
Electronic check payment (
/pts/v2/payments
)

NOTE

Not supported for Chase Paymentech Solutions.
processorInformation.transactionId
Electronic check credit follow-on credit (
/pts/v2/payments/{id}/refunds
) and standalone credit (
/pts/v2/credits
)

NOTE

Not supported for Chase Paymentech Solutions and TeleCheck.
processorInformation.transactionId
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